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    • Surprisingly they don't mention AT ALL the other times of usage.    It says tfl byelaws bla bla.. Then the last paragraph is "An application will be made in court for a *** contribution towards the costs of TFL. There will also be an application of *** in respect of the fare avoided. Further costs may be incurred if additional docs are required or the matter is not resolved at the earliest opportunity".    The last sentence is interesting. Leaving it open to an OOC on the day? 
    • On the fiat it should be around 4-5 years so certainly due. It could already have been done and if offered with a full service history it should be noted.  I would get it done if there is no evidence. Expect about £500 from a dealer or £300 from an indi  check the service book. They normally show when it need to be done mileage/time
    • no don't call them. you say they DONT mention at all the other times of usage? usually it will say byelaw bla bla  and in the statement say and XXX other times counted to [no.] being TIC if you plead guity and attend which you MUST do
    • Thank you for clearing that up BazzaS.   I am under the assumption that the other offences are TIC given the fact that I admitted the period of use (5 months) in my first letter which gave my explanation of events. In response to my first letter, they decided to prosecute me for the single offence (under the byelaws).    I will call them to double check on this though.     
    • Thank you for your help. I do understand and I can see how it looks to tax credits however they aren’t telling me exactly what evidence they have. When I called them last week (haven’t spoke to the compliance team since) he said there is strong evidence but didn’t say what and then asked me what doctors he uses? I said I have no idea as I don’t.   do you think I should contact them again and explain everything again and also about the universal credit claim and what they advised? Just feel I’m gonna be in the wrong no matter what I do now as it’s either do a joint claim but he ain’t here in that capacity or do a single claim but risk it being investigated again due to him using this address.
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
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I recently applied for credit with a loan provider. I was accepted for the requested amount and was provided a loan agreement to electronically sign, complete with terms and all the necessary information. I signed it and it was signed on behalf of the provider, which was emailed to me as a PDF.

 

Now, the provider is requesting bank statements and ID verification, and have cancelled the original loan from my account.

 

Is the loan provider legally obliged to continue with the agreement they originally signed or are they even capable of backing out?

 

Thanks in advance,

 

Michael.

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Which Loan Company Michael ...name names ?

 

Regards

 

Andy


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My apologies,

 

118118Money.

 

I would note that in section 9 of the agreement they claim the document isn't legally enforceable until they provide me a "Welcome phone call".

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"You understand that this Agreement is not legally binding on us until such time as we complete a welcome telephone call with you and approve your application"

 

I just don't understand how an agreement can need more than a signature to be binding.

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Well its their T&Cs of their business....so they add whatever hurdles they wish....plenty more fish in the sea...go elsewhere.


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